Self Employed Home Loans

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Yearly Mortgage Review

Self-employed? Thinking Of Buying A Home In The Next 6 – 12 Months?


Look no further than Nikki, the founder of Cherry Lending & Finance.

Self-employed? Consider a review with Nikki from Cherry Lending & Finance. This could make a big difference in securing a home loan, refinancing, or releasing of equity.

Speak to Nikki to increase your chances of a successful loan application. Seeking Nikki’s assistance may enable you to receive the necessary guidance and support to maximise your chances of approval. Nikki is warm and helpful, and will ensure that you understand the process from beginning to end. 

“You’re making some of the biggest financial decisions of your lives and I’m here to guide and empower you.” – Nikki.

Your-local-mortgage broker-Nikki

The common issues

for self-employed home loans

  • The lender considers the net income rather than the gross income.
  • Any liabilities, whether under your personal name or company name, are likely to have a significant impact on the calculation of your borrowing capacity.
  • Most lenders will require two years of financials. There are, however, exceptions to this and knowing the different lender policies could make the difference in you securing a loan or missing out.
  • While there are exceptions to this, your ABN should be registered for a minimum of two years.

What’s included in the assessment?

Tailored guidance.

At Cherry Lending & Finance, we can provide tailored guidance on your financials to help appeal to lenders. Trust us for personalised strategies to achieve your homeownership goals. See below for what is included:

  • A full assessment of all your financials whether you are a sole trader, company, Trust or partnership.
  • A full review of your potential borrowing capacity:
    If sufficient, we can indicate your borrowing capacity and any potential lender options available to you.
    – If the initial assessment indicates that your current financials do not support borrowing funds, we offer feedback on how lender’s look at loan applications and the information that is important for loan serviceability. 

Disclaimer: The Information is general in nature and does not take into account your particular investment objectives or financial situation. It does not constitute, and should not be relied on as, financial, investment or tax advice or recommendations (expressed or implied) and is not an invitation to take up securities or other financial products or services. No decision should be made on the basis of the information without first seeking expert financial or taxation advice. Your full financial needs and requirements would need to be assessed prior to any offer or acceptance of a loan product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.



Why choose Cherry Lending & Finance?

We’re self-employed, too.

Here’s the thing: We’re self-employed too. At Cherry Lending & Finance we know exactly what it means to work for yourself, and how much harder you must push to get ahead. Self-employed people are passionate and driven, and exactly the sort of people we want to work with. Here’s why you should choose us:

We offer a wide range of home loans. We have access to 30 lenders and know the ins and outs of what each one can offer. We will match your specific needs to the best one. If you were doing this yourself, you’d be spending a lot of time and not necessarily getting the best deal. And it’s not just the actual loan, it’s about getting guidance on the entire process of planning and working out the best approach.

We provide a yearly mortgage review. This is just one way we show our commitment to you over the long term. Every year we review all client’s home loans to check whether they are getting the best available rates, and we advise if there’s a better option, and make it happen for you.

We care about our clients. We offer good communication and transparency. In an often traditional industry, we have taken a unique approach that sets us apart from typical mortgage brokers. Rather than solely focusing on transactions, our emphasis lies in delivering exceptional customer service and providing comprehensive educational support throughout the entire journey. We are transparent in everything we do and communicate with our clients every step of the way. At the end of the day, we care about our clients and want you to succeed.

“It was so refreshing to get help from someone who is obviously an expert in their field but doesn’t expect you to be too! She took the time to explain everything to us with patience & clarity.”

Nikki says

“You’re about to make some major financial moves, and I’m here to be your guiding light and empower you every step of the way.”

Geoff & Samantha
Self-Employed Home Loan Customers
Nikki Berzin Your Home Loan Expert

What people say about

Cherry Lending + Finance

“Nikki put our minds at ease”

As much as this seemed like a daunting task initially, after consulting with Nikki she explained the whole process, answered all of our questions and put our minds at ease.
David and Jaymie
Home Buyer

“She took the time to explain everything”

It was so refreshing to get help from someone who is obviously an expert in their field but doesn’t expect you to be too! She took the time to explain everything to us with patience & clarity.
Kates & Kendall
Home Buyers

“Made the whole process much easier”

Nikki made sure that I understood all of the details, conditions and requirements, which made the whole process much easier than going it alone.
Home Buyer

Get ready to make your dreams a reality

Nikki and Cherry Lending & Finance.

And soon you’ll have your keys to your new home. Book a chat with Nikki today and get the ball rolling.